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417 S State St, Elgin, IL 60123 Property Records

Kane County property record for 417 S State St, Elgin, IL 60123

Property Summary

Property TypeSingle Family Home
Details2 bd · 1.5 ba · 1,026 sqft · built 1923
Lot Size0.2 acres (8,712 sqft)
Owner2 Individual Names on Record
Last Sale$99,500 (Sep 1995)
Tax Bill$4,205 (2025)
Deeds & MortgagesJul 2023 Mortgage
Jun 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN06-24-151-004

Property Details

APN / Parcel Number

Primary APN06-24-151-004

Interior

Bedrooms2 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories1 Story
Building Area1,026 sqft Living Area
Gross Area2,052 sqft
1st Floor Area1,026 sqft
Basement Area1,026 sqft

Exterior

Year BuiltBuilt 1923
Effective Year BuiltEffective 1923
Construction TypeFrame
Lot Area8,712 sqft (0.2 acres)
Garage TypeDetached
Parking Spaces1 Parking Space

Location & Zoning

Street Address417 S STATE ST
CityELGIN
StateIL
Zip60123-7605
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHARDINGS RESUB LOT 32 B W RAYMONDS 2ND ADDN LOT 2
Legal SubdivisionHARDINGS RESUB
Legal BlockW
Legal Lot Number32,2
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group3
Census Block3003
Census Tract851600

Owner

Source: Kane County records, as of July 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address417 S STATE ST, ELGIN, IL 60123-7605
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 11, 2023Deed of Trust, Mortgage · VA Mortgage
NEIGHBORHOOD LOANS
Jun 28, 2017Deed of Trust, Mortgage
NEIGHBORHOOD LOANS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 8, 1995 · Amount on Record
Deed SaleSep 8, 1995 · Amount on Record
Deed Document Number199552365
Deed Book / Page1124 / 286
Record UpdatedSep 20, 2026

July 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address417 S STATE ST, ELGIN, IL 60123-7605
Transaction TypeMortgage
Record UpdatedJul 24, 2023
Title CompanyCARRINGTON TITLE PARTNERS LLC, CARRINGTON TTL PARTNERS LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000022884
DateJul 11, 2023
Instrument2023K022884
Lender
NameNEIGHBORHOOD LOANS
TypeMortgage Company
AddressCHICAGO, IL 60615
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 1, 2053
Interest
Rate TypeFixed Rate
Rate6.62%

June 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address417 S STATE ST, ELGIN, IL 60123-7605
Document Number0000035738
Instrument DateJun 28, 2017
Transaction TypeMortgage
Record UpdatedAug 23, 2018
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSURANCE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address417 S STATE ST ELGIN IL 601237605, ELGIN, IL 60123-7605

Mortgage

Document Number0000035738
DateJul 12, 2017
Instrument35738
Lender
NameNEIGHBORHOOD LOANS
TypeFunding / Finance Company
AddressLOMBARD, IL 60148
Agreement
AmountAmount Recorded
Term180 Months
DueJul 11, 2032
Interest
Rate TypeFixed Rate
Rate3.25%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,205.00 (+4.78%) Homeowner's exemption$63,879 (+8.57%) Land $16,038 Building $47,841$191,714 (+8.57%) Land $48,133 Building $143,580
2024$4,013.00 (+10.49%)$58,837 (+21.4%) Land $14,772 Building $44,065$176,582 (+21.44%) Land $44,334 Building $132,248
2022$3,632.00 (+5%) Homeowner's exemption$48,467 (+8.23%) Land $12,168 Building $36,299$145,401 (+8.23%) Land $36,504 Building $108,897
2021$3,459.00 Homeowner's exemption$44,780 Land $11,376 Building $33,404$134,340 Land $34,128 Building $100,212

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemELGIN
serves 114,797 people · EPA ID IL0894380
Water SourceSurface water
Last State InspectionAug 2025
Lead19 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 385 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Astound Broadband
Cable		1,500 / 50
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
DSL · Fiber in parts of the area		100 / 20

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